Bank · FDIC insured
Reliance State Bank
A $276.8M bank headquartered in Story City, IA, with 2 branches in Iowa. Best rates: CDs 3.84% and savings 0.30% APY.
Reliance State Bank Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#13 of 20 in Ames, IA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Reliance State Bank
Serving Iowans since 1928, Reliance State Bank operates as a community bank under holding company Ames National Corporation.
- Headquarters
- 606 Broad St, Story City, IA 50248
- FDIC certificate
- 9299 ↗
Branches
2 branches in Iowa
Loading map…
Iowa
2 branches
Ames area · 1
- Reliance State BankMain office606 Broad St, Story City, IA 50248Directions
Garner area · 1
- Garner Branch175 E 3rd St, Garner, IA 50438Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.72% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.95% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.82% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $82 | $81 | — |
- CapitalLeverage ratio9.72%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.95%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.82%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$82Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Reliance State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.